What's All in a Credo Credit Report?

When you sit down with a housing counselor at In Affordable Housing, one of the first things we'll talk about is your credit.

And you might wonder: Why pull a special report when I can check my credit for free online? Great question. Here's the honest answer.

The free report isn't the full picture.

Those free credit checks you pull from apps and websites are useful for a quick glance, but they often show only one bureau, a rounded "educational" score, and limited detail. Lenders don't use those numbers. When you apply for a mortgage, the lender pulls something far more thorough—and we want you working from the same information they'll see.

What a Credco report shows us.

A Credco report is a tri-merge report. That means it pulls your information from all three major credit bureaus—Equifax, Experian, and TransUnion—and lays them side by side. This is the same type of report mortgage lenders rely on when making a decision.

With this fuller view, your counselor can:

• Spot errors or outdated accounts that may be dragging your score down

• Identify which bureau is reporting differently, and why

• Build a realistic, step-by-step plan to strengthen your profile before you apply

• Help you understand exactly where you stand in a lender's eyes

  
  

A quick note on cost.

The detailed Credco credit report is $50 (includes a review by our team)and offers a professional-grade report pulled from all three bureaus. Think of it as an investment in seeing the same picture your future lender will see—so there are no surprises down the road.

The bottom line.

The free report tells you a story. The Credco report tells you the story—the one that actually shapes your mortgage approval. When you're preparing for one of the biggest financial decisions of your life, working from accurate, complete information makes all the difference.

Ready to see where you stand? Reach out to our counseling team, and let's build your plan together, 501-529-7551 info@ina